CIBC Accident Protection Plan

Provide financial security for your loved ones in the event that the unexpected happens

CIBC Accident Protection Plan
  • Guaranteed issue with no medical tests or health questions at time of enrollment
  • Includes coverage for accidental death and hospital expenses due to an accident
  • Worldwide coverage
  • CIBC Accident Protection Plan is underwritten by CIBC Life Insurance Company Limited
Get a quote and buyCIBC Accident Protection Plan To talk to a licensed insurance agent, call 1-888-393-1110


The Accident Protection Plan provides coverage in the event of an injury or death from an accident without having to answer health or medical questions.

Flexible Coverage Amounts

Choose from between $25,000 to $200,000. You can also purchase the same amount of coverage for your spouse.

You can choose one of the following coverage options, or both:

Choose one lump sum coverage amount paid to your beneficiaries in case of your accidental death

  • We offer coverage amounts in increments of $25,000 up to $200,000
  • Premiums can start as low as $2.97 per month for $25,000 of accidental death coverage

You can also choose a daily coverage option paid to you in case of hospitalization resulting from an accident

  • We offer daily coverage amounts of $100, $150, $200 or $300 per day of your hospital stay
  • Premium rate is based on the coverage amount that you choose, and can start as low as $5.95 per month for $100 per day coverage

Exclusions and Limitations

What is not covered?

  • Sickness, disease, natural causes (regardless of how acquired) or medical or surgical treatment
  • Suicide or any self-inflicted injury, regardless of whether you intended or understood the consequences of your actions
  • War, declared or undeclared, riot or civil commotion, insurrection or hostilities of any kind
  • No benefit will be paid if your policy is declared void because you misrepresented or failed to disclose a material fact, or you committed fraud in connection with your policy

The above is only a summary. For details on all benefits, eligibility conditions, limitations and exclusions, review the sample Insurance Policy (PDF, 1.75 MB). The information on this website is not part of your Insurance Policy. In case of a discrepancy between the information and examples provided on this website and your Insurance Policy, your Insurance Policy prevails.


Benefits offered by CIBC Accident Protection Plan

CIBC Accident Protection Plan provides you and your loved ones with Accidental Death and Accident Hospitalization coverage. Receive a benefit that will help pay for unexpected expenses in the event you die or are hospitalized due to an accident.

Annual Bonus Benefit

  • An amount equal to 1% of your accidental death benefit amount will be added to your Accidental Death coverage annually on the anniversary of your effective date of coverage.

Your Acceptance is Guaranteed

  • No medical or health questions asked when you apply
  • Acceptance is guaranteed if you are a Canadian resident between the ages of 18 and 64

Spousal Coverage is also available

  • If selected, your spouse will receive the same benefits and coverage amounts as you, but at a discounted rate


  • Pay for your premiums from your personal deposit account or credit card account

Affordable Rates

  • Depending on the benefit amount and coverage options you choose, premiums begin at $2.97 per month for Accidental Death

30-Day Review Period

  • You have 30 days from the date you receive your Insurance Policy to review it
  • If you decide you do not need this product, you may cancel and any premiums paid during that time will be refunded to you

Be comforted knowing you have comprehensive accidental coverage with one plan. You and your loved ones will be covered for any accidental hospitalization or accidental death, even when you're outside of Canada. Accident Hospitalization coverage helps pay your daily expenses while you are hospitalized, and your Accidental Death coverage helps take care of your loved ones should the unexpected happen.


CIBC Accident Protection Plan

Acceptance is guaranteed if:

  • You are a Canadian resident, and
  • You are between the ages of 18 and 64

No medical or health questions when you apply.

Sample Quotes

Ways to Buy

One less thing to worry about

There are convenient ways to purchase CIBC Accident Protection Plan.

You can choose coverage for either:
(1) Accident Hospitalization, or (2) Accidental Death

Or both:
(3) Accident Hospitalization and Accidental Death


The quick and easy way to get your full accident insurance coverage for Accident Hospitalization and Accidental Death


You can cancel your coverage at any time by calling us at 1-888-393-1110.

To obtain a claim form and more information about the supporting documents that will need to be included with your completed claim form, call us at 1-888-393-1110.

To get a quote and buy, call a licensed insurance agent at 1-888-393-1110

Get a quote and buy by calling 1-888-393-1110

Trademarks and Disclaimers

To review all of the benefits, eligibility conditions, limitations and exclusions, please review the sample Policy of Insurance (PDF, 2.7 MB).

If you have any questions about CIBC Accident Protection Plan, call 1-888-393-1110.

CIBC Life Insurance Company Limited (CIBC Life) is federally incorporated and subject to the Insurance Companies Act and is licensed to carry on business in all provinces and territories. For further details, view the Insurance Regulator Registration Information (PDF, 20 KB). For residents of Quebec, CIBC Life Insurance Company Limited is registered with l’Autorité des marchés financiers (AMF).
If necessary, file a complaint.

Products and their features may change at any time. In case of a discrepancy between the information provided on this website and your Insurance Policy, your Insurance Policy prevails. This is a general description only and does not constitute legal or insurance advice. For specific advice, you should speak to an insurance advisor. Some limitations and exclusions apply. All of the terms, conditions, benefits, limitations, exclusions and other provisions are contained in the Insurance Policy. Download a sample copy of the current Insurance Policy (PDF, 2.7 MB). This policy will be voidable if you have failed to disclose or have misrepresented any material fact or circumstance affecting coverage under this policy. You will receive a copy of your Insurance Policy once you have applied. CIBC Accident Protection Plan is underwritten by CIBC Life Insurance Company Limited.

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